Important information for applicants
Please read this carefully. This information is here to help you understand how the Shared Ownership scheme works, and what to expect from the homebuying process. It will also explain what documents you need to provide and who to contact with any questions.
About this page
We know how important it is for our buyers to have clear and consistent information about the Shared Ownership process. So, we've put this page together, which includes all of the important bits you might need to know before starting your home buying journey. The information in this page applies to all Shared Ownership homes. We'll be covering:
- Key Information Documents (KID)
- the newbuild buying process
- documents you'll need
- the resales buying process
- important policies
- Shared Ownership eligibility
- accessibility and reasonable adjustments.
Your Key Information Document (KID)
For newbuild homes, we'll ensure the KID is shared with you during the buying process. For resales homes, we include download links to KID on our property listings. Please read your KID carefully as it contains important details about the home you're interested in.
The newbuild buying process
Here's a quick summary of the steps involved in buying a Shared Ownership home:
- register your interest with us
- a member of our team will be in touch to discuss your eligibility for Shared Ownership
- if eligible, your details will be passed to one of our panel Mortgage Advisor for an affordability assessment
- once your assessment is complete, we'll let you know if you can proceed, and the share you can buy.
To see our range of new and pre-owned homes across the south of England, use the button below.
Please note:
- for resales homes, we operate a two-stage assessment process
- for newbuild homes, we operate a one-stage assessment process
- if you're referred for a mortgage affordability assessment, this is not mortgage advice and does not guarantee you can get a mortgage.
Minimum Documents Required
You'll need to provide some documents to us to support your application. The exact documents may vary depending on your circumstances, but as a minimum you'll usually need to provide:
- proof of ID (passport or driving licence)
- proof of address (utility bill or bank statement).
When you comple your financial assessment, an Independent Mortgage Advisor will also ask for:
- at least three months of payslips
- at least three months of bank statements
- evidence of any savings and deposit funds (including gift letters where appropriate)
- evidence of any existing financial commitments (e.g. loans, credit cards).
If you're looking to buy a home with a local area connection requirement, you may be asked to provide evidence of your connection. Find out more on our local area connection page.
If you're self-employed or have other sources of income, you might need to provide some extra paperwork.
If you're unsure what you need, the appointed Mortgage Advisor will guide you. You can also find out more by reading our Shared Ownership guide.
Your Guide to Shared Ownership
The Resales buying process
If you're looking to sell your Shared Ownership home, you can do this at any time. We’d love to help someone else benefit from Shared Ownership, too. So, when you choose to sell, we’ll have a set nomination period to look for a Shared Ownership buyer for your home. The length of your nomination period is in your lease. Please take some time to read the following documents about selling your home:
Who Does What in the Homebuying Process
Please refer to the appointed Independent Mortgage Advisor
| Stage | Who to contact | Newbuild contact details | Resales contact details |
|---|---|---|---|
| Applicant eligibility and prioritisation | Abri Homes | sosales@abri.co.uk | resales@abri.co.uk |
| Financial affordability assessment | Mortgage Advisor | We'll refer you to an Indepdendent Mortgage Advisor. | |
| Application decision and share level | Abri Homes | sosales@abri.co.uk | resales@abri.co.uk |
| Application of provider policies | Abri Homes | sosales@abri.co.uk | resales@abri.co.uk |
| Mortgage advice (if requested) | Mortgage Advisor | We'll refer you to an Indepdendent Mortgage Advisor. | |
| Complaints about application or decision | Abri Homes | sosales@abri.co.uk | resales@abri.co.uk |
| Complaints about mortgage advice | Mortgage Advisor | We'll refer you to an Indepdendent Mortgage Advisor. | |
If you'd like to contact us via phone, you can call us on 0800 145 6663.
Important Policies
Take some time to have a read of our policies, as they may impact your buying journey. Let us know if you have any questions.
You can find full details of our policies on our Help & Advice page.
If You Don't Meet the Requirements
- If you're not eligible for Shared Ownership (this could be because of the results of your affordability assessment, or in relation to one of our policies), we might not be able to proceed with your purchase.
- If you'd like to buy a different share than is outlined in your assessment, you'll need to let us know the reason. We may either offer a different share or decline your application.
- You could buy more shares in your home over time, but an additional mortgage assessment will need to be carried out. Find out more on our Staircasing page. Or, take a look at our guides over on the Help & Advice section.
Accessibility and Reasonable Adjustments
We strive to support our customers on their homebuying journey, so if there are any reasonable adjustments you may require, please let us know.
If you need any information in a different format (for example, large print, braille, or another language), please let us know and we will do our best to help.
This page is provided in accordance with Homes England guidance and will be updated periodically to ensure it remains current.
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